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tv   Washington Journal  CSPAN  October 13, 2016 7:00am-10:01am EDT

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street journal's financial regulation reporter on the consumer financial protection bureau following this week's decision by federal appeals courts that the bureau's structure is unconstitutional. washington journal is live, next. ♪ host: good morning. it is thursday, october 13. less than four weeks until election day which means that voter registration deadlines are coming and going at states across the country. , those numbers are being closely monitors as campaigns work to add new voters this cycle. today, will want to focus on first time voters. time16 will be the first you vote, we want to hear from you this morning on why you are voting and who you are voting
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for. we have split our phone lines by age this morning. .8-35, (202) 748-8000 .6-50, (202) 748-8001 older and older, (202) 748-8002. you can also catch up with us on social media. twitter and facebook. good thursday morning to you. no generic -- information on voter numbers today. more days in florida to register to vote citing the destruction from hurricane matthew. six day extension after a brief court hearing.
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they're interested in expanding the pool of voters. a party stretch the voter i one day from tuesday to wednesday in lawsuit fired against gov. rick scott by democrats, who ordered floridians to exit homes but would not extend the date. that's not to say that republicans are not taking advantage. at his rally on wednesday, toald trump urged the crowd register to vote. he said, who is not registered? he said, if you are not registered, get the hell out of here. leave right now and go and register.
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paul ryan posted a video yesterday with his outrage to younger voters, answering the question he is asked by young people about which party they should take. here's a bit from the video. paul ryan: i get a lot of young people asking me, why should i choose the republican party or conservatism. conservatism means we want to preserve what is good. we want to preserve the great principles. liberty, freedom, determination -- so that we are in control of our lives. so what i say to young people is that you want to lead a good life. you want to have a country founded on core principles that allows you to live your life. and that is what conservatism is. that is what we believe in. it is animating and optimistic and inclusive.
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because it applies equally to everybody. both democrats and republicans focusing on the importance of voter registration , on getting new voters out to the polls. hillary clinton's campaign released a new web address today specifically focused on african-americans, talking about the importance of registering to vote. shows video from president obama's speech at the congressional black caucus dinner he spoke at last month. president obama: we are just getting started. that's why i'm so fired up. >> that is why i'm so ready to go. if i hear anybody saying their vote does not matter then it doesn't matter who we elect. it matters. we have to get people to vote. givect, if you want to michele and i a good sendoff,
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yet people registered to vote. ,f you care about our legacy everything we stand for is at stake. all the progress we have made is at stake in this election. on the ballott be but our progress is on the ballot. tolerance is on the ballot. democracy is on the ballot. justice is on the ballot. good schools are on the ballot. ending mass incarceration is on the ballot right now. we need a candidate who will stand for those things. whoseis another candidate defining candidate is opposition to all that we have done. there is no such thing as a vote that doesn't matter. in all matters. and after we achieved historic
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turnout in 2008 and 2012, i will consider it a personal insult to if we fail to activate ourselves. you want to give me a good sendoff? go vote. host: to new web ads that came out yesterday. again, less than four weeks until election day. and the voter registration deadlines are hitting around the country. first-time voters only assume you want to talk to in the first few minutes of washington journal. 18-35, (202) 748-8000. .ges 36-50, (202) 748-8001 51 and older, (202) 748-8002. we go to reston, virginia.
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gordita, good morning. this is my first time voting and i am doing it because of donald trump. i am voting for hillary clinton. donald trump said if he would ever run for president, he would run for republican because they are stupid. and now years proving that they are. people are actually going to vote for him. we don't need to elect somebody like him. to represent this nation. host: did you have the opportunity to vote in previous elections? caller co yes, i did but i didn't vote. i didn't vote because i didn't have time to go vote. but this time, even if i lose my
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job, i will go and vote for clinton. because i do not want donald trump to be the leader of this nation. he doesn't deserve it. he doesn't know anything. he does not qualify to be the commander-in-chief of this nation. because of all that he has done. the way he treats women. it is unbelievable. are splitting up the phone lines by age and we want to hear from first-time voters only. on the linechicago for 18-35. good morning. caller co good morning. i am 28 years old. host: why is this your first time voting? did you have the opportunity to vote in previous elections?
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caller: i always figured that my party would take over in general elections in illinois. but i realize it is my civic duty to vote this time around, especially in this pivotal time for the country's future. so yes, i'm taking it seriously. host: are you voting for a candidate? or you voting because you are voting against a candidate? co i'm definitely voting for the democrats. i would have to say i am also voting against donald trump. i think his rhetoric is scary and irresponsible. and i think it conflicts with so forth in because cause edition. i have an issue with that. and i want to put a stop to it. host: first-time voters this morning is our topic. we want to hear who are voting for and why or voting.
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vote in the last election if you had the opportunity? line forarizona on the 36-50, good morning, susan. caller co good morning. i am a first-time voter. in the air force our whole lives. we moved around a lot. i never watch the news because he wouldn't let us. he didn't know what -- he didn't know what was going on that was bad in the world. i've learned a lot in the last two years. and my grandmans says to go to the library and pick up a book and you understand the truth about everything. i've been to the library and i
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have all of these books here and up watching the news every day. i record everything when i'm gone. i come home and watch it with my grandma. i never knew about all this stuff. never in my life. i'm so worried about my kids. i went to go volunteer at our church and when i try to vote, so isaid i was a democrat had to go to the office down and show myn drivers license and birth certificate to prove that i could vote in 2000 for obama. they found that somebody had my and so they gave me a copy of the form showing that i did not vote. and i've been living in this
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and now myver grandma lives of me. so i had to reregister to vote. they semi-my new card. and now i get to vote and i am voting for trump. because i read a lot with my grandma. newspapers. host: can i ask you -- do you think voter fraud was happening in previous elections? caller co it was. host: is anything being done to investigate that? caller co they told me they would figure it out and when they find out who signed my form -- i did get a letter. i have a year. let me get it out of my pile on my kitchen table.
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-- ok.rom it's from arizona. it is an early ballot. and what happened is that they they said itter and did not vote, have not vote in my whole life. and it does specify things on there that i cannot say. host: if you figure out what happened, call us back. i be interested to know what happened.
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caller co research before you go out there and vote. with everything with hillary and clinton has done, we do need change. the irs takes money out of my check and i didn't even go to california for a college degree. taking $170 out of my check. but i've never been to school there. there is so much going on out there. host: good luck trying to figure that all out. give us a call back down the road. todd is up next in richmond, 35-50.a between why is this your first time voting? well, i'm disappointed in myself that i didn't vote sooner. frustration has
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built up over the past eight years. corruptionll the that is going on. and it is just being ignored by the media. all the things this administration is implemented that we haven't you heard about it. constanthings with the -- doing the opposite of what a normal person would do. you trade five bag guys for a traitor and just things that the administration, it goes against and someone will continue with hillary. everything about what's been going on, with how they ignore that everything's been going on with her past and they rail on
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donald trump who, has been providing jobs for americans, actually going out and creating companies and businesses. creating work and here, we have someone who they think is creating work through the government. but it is just bad. and i really seen it in my income. less in 2015$4000 but i pay the same amount of taxes. and at the end of the year, i still owe taxes. host: so that tipping point for you to go out -- caller co yes, pretty much. how seeing the rhetoric and we can rail against one guy and that is why i am voting for trump. host: we are go to hyattsville,
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maryland. good morning. caller co good morning. so the lasts old time there was a voting convention election i was 17. so this is my first time voting. host: are you excited about voting? caller co yes, i am. i actually think my vote doesn't matter. host: explain that. a lot of people say they don't think their vote doesn't matter. caller co we have two polar opposites in the candidacy. and i feel like one of them is very dangerous. the rhetoric is dangerous. so i feel like if i don't go out there, you make it in. and we have allies around the world and we don't want to ruin that relationship with them. and i'll think donald trump -- keep help keep out
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our allies. host: we having this discussion. the headlines this morning in most of the papers, they are centering on the election coverage. clinton campaign e-mails. donald trump has behavior towards women. here's the washington times. -- clinton adds to "deplorables." -- resign after the surfacing of messages showing her making fun of the catholic state. the messages in question are part of a 2011 e-mail that the spokeswoman had with john halpin. house speaker paul ryan weighed in after the release of those and said in his
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theement, "if anything, same is really clinton campaign's hostile attitude towards people of faith in general. all americans of faith should take a hard look at this and decided these are the values you want to be are presented in our neck president. if hillary clinton days to employ people with biased and " and here's a story from washington post. for women accuse donald trump of kissing or groping them without permission. he did say in the debate that he had never engage in such behavior. this is after a new york times front-page story quoting two of the women. jason miller said that the
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entire article is fiction. hope hicks said that there is no truth to the third allegation. but in each instance, the newspaper still to people close to the women who verify that the women had told them about the story months or years before. story,o quoted in this the response to latest allegations facing donald trump. says this disturbing story sadly fits everything in the way we have seen the way donald trump treats women. the disgusting behavior he bragged about in his speech is more than just words. that is the front page of washington post. the front page of the new york times is the one the trump campaign responded to. we are getting your thoughts as morning as we talk to first-time voters, only. lori is in tennessee. roy, why is this your first time
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voting? caller co i am well over 61 years old. my vote is going to be for donald trump. information that the only one that covers them is fox news. all the other channels, they are completely one-sided. you can't get anything other than negativity. for one candidate. they put trigger as the mother of christ, which is not what she is. we don't want to proceed with what they have done in the past. he came out broke last time. if they get in, they will be broke again. host: you world left to have voted when bill clinton was
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president. why do you vote in those elections or previously? why is this the first time? caller: i didn't feel i needed to at that time but this time it is more important. because of my grandchildren. so i think this election is important for every republican to get out there and vote. every democrat and any independent. just get out of vote. host: why is this one more important? caller: i don't know. something just ugly. my last one, you don't know. host: robert is in north carolina. robert, good morning. caller: good morning. why is my first time voting? i never really followed much campaign staff. but it now has taken over the
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tv. so anything i want on tv or my wife watches has to do with the election so i have been hearing it for a year now. so i decided i needed to step in and do my part. i can see a lot of things going on that is immoral. host: what is the tipping point? did you watch not much coverage of past campaigns? caller: i watch sports shows. but i've been seeing so much of it televised. and you can't help but develop in a pain you see so much of it. and then you hear rhetoric from other people about it. host: so are you registered? caller: yes, and registered. i'm not republican or democrat. just with seeing this stuff
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is going on with hillary and her background. donald trump is a loose cannon. a womanizer, i guess you would call them, but a lot of guys are like that. they're making more out of that issue that needs to be made. but i work in the construction business. i feel that i need to vote for a businessman to take us to a different area. to help our economy. to build america back. i see a lot of things going downhill. we lose work to illegals. basically. i'm not a prejudiced man. i have many people working with me. and they are just as angry about the illegals coming in and undercutting our prices and angry our work, just as as i am. host: that was robert in north carolina. north carolina is a state where
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the voter registration deadline falls between 25-31 days before the election. this map here shows the country and where the voter registration deadlines fall. the dark purple states are states that have voter registration deadlines that fall between 25-31 days before the election. the lighter color on the map, that is fewer days before the election that the voter registration deadline falls. fair vote is the website if you want to check out the map. and all mac you can click on individual states to talk about voter registration deadlines in those states. james is in maryland. good morning. caller: i'm here to say i'm voting for trump, it even though my vote doesn't matter here, as a republican.
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that is only reason why colyer has been in office for so long. host: why don't you feel like your vote matters? caller: it doesn't in upper marlboro. not a democrat, you cannot get in here. host: have you had the chance to vote in previous elections? i've never voted because my vote as a matter but the only way trump is going to win is by a landslide. republican votes don't matter. host: so donald trump i got to the polls for the first time. is it just the fact that there is no other candidate that inspired you the way he inspires you? no, hillary clinton cannot get in. -- she isshe's done
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corrupted the core. she can't get in. host: that was james. patricia is in new york. we are continuing to talk to first-time voters. patricia, why is this your first time voting. caller: well, years ago, i helped out with the board of elections. and i have to be honest with you, i am not legal. but i was able to vote. but i didn't. it's very easy to do it. i didn't observation of a man who in at least six times and voted. it's so corrupt that i don't blame people for wanting to got their vote.
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it's very simple. if you are in this country and you are not a citizen and you been here for many years, they accept anything. you just rattle on that you are citizen and before you know it, you can vote. host: so you were not a citizen. caller: no, not of the united states. from ireland. vote how many times as you illegally? caller: i haven't. but i'm going to vote this time to provoke point. i did help out with the board of elections. they need extra help. now i've seen how simple it is and how many people are voting over and over again. and i even brought it up to one
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of the supervisors that this man had voted for five times. host: so you will break the law to prove a point. will you tell people because you want to be caught? caller: there is a system of their doesn't work. there are people voting now who should be voting. host: it sounds like you disagree with that? caller: with what? that to you want to do show that people can do that? brea grant going to let people know? caller: oh, yes. i'm going to go to the board of elections to tell them. to prevent point. they won't do anything. me, go homest tell
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and keep your mouth shut. that is what they tell you. casey is in silver spring, maryland. good morning. caller: good morning. know, i have always associated with republican party but i will be voting democrat for the first time and voting .or the first time you have to in this election. i want the party that i previously associated with is not accountable. host: we go to jane. good morning. caller: after the vietnam war, i felt that it was all bureaucratic so i never voted.
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race, i figure that what i've been reading for the last year or so do the primaries and all of this stuff, with the latest wikileaks and all this, with the way the military has been torn apart, the v-8 administration, and if donald guys in thelp us military, through the veterans beingation, and with her with the e-mails and stuff, that was all illegal. so i am voting for donald trump.
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voting for the first time. both me and my wife are going to trump. because we have been watching the sun carl for the last year. why didn't you watch previous elections as closely? caller: this election really caught my eye. because first of all, when donald trump -- i was like everybody else. i was saying oh, he's got to be kidding. but after listening to the man and following him through the other guys on stage who were healed politicians, those guys were politicians. and they were the elite. and after seeing all of this and sitting back and watching trump
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and trump polling where you is that. to unlock alls and to do better for , more than mrs. clinton is doing. i followed her as i followed him. is from my area and pennsylvania. in my first option was to vote for her. but after everything he is said and everything she has done, i have to go with mr. trump. you, there is a senate race in pennsylvania, do you plan on voting down ballot? or are you going out just to vote for the presidential?
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caller: i have a little problem with the second amendment. i only can we is running against. but basically i will go right down the line. host: that was james. we have been trying to bring you news about the congressional races. there is a hotly contested race in pennsylvania for democrats who are looking to take over the senate. ify receive for seats hillary clinton wins and five if donald trump wins. some news on the senate races. candidate going out, george w. bush helping republicans in the senate. theeclined to attend
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republican national convention but headline fundraisers for a senator with a second term incumbent. -- became the eighth senator for whom bush has finance four. marcois one other comment rubio in florida. he ran against jeb bush. the nationalfrom journal about fund-raising activities of george w. bush. that democrats would need a net of 30 seats to take the majority. a story about politico, about nancy losey. she helped raise money for democrats. police he has raised nearly $120 million.
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the $101 million in the 2014 election. and we were just talking about the pennsylvania senate race. new polling from pennsylvania showing senator patrick toomey struggles despite his with donald trump. that poll gave him a four-point lead. -- 32%-30 8%. rule oute wouldn't voting for trump or endorsing him. we will keep you updated on the house and senate as we continue to move. 26 days away from election day. back to the phones. talking to first-time voters only this morning. then has waiting in pennsylvania
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on the line. then, why is this your first time voting? wasn't old enough, i was 17 during the last presidential election. i did vote in the primaries. and this will be my first time voting for president. host: talk about people your age. do you feel like there is more of an interest in voting among the youngest eligible voters? caller: i'm a student at penn state. and it was bernie, bernie sanders, bernie sanders. thousands of people went to see them when he came here. but now it is between hillary clinton and donald trump. michael engine doesn't have the enthusiasm for people my age. people seem to have fallen off with bernie sanders. me, being a trump
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supporter, it is hard. there is such a small percentage of people my age supporting trump. i'm definitely in the underrepresented population here. host: is somebody in your age group, what is the thought among the twoour age that nominees -- hillary clinton would be 69-year-old on inauguration day. donald trump would be 7-year-old. bernie sanders would have been 75 years old. people your age about the candidates being that much older? is there any interest in looking to younger candidates? such as an independent? do they get more interest among people your age? caller: that is the first time i've heard that mention. i think because the two major party candidates are always order, i think people's except that as a fact. no one has mentioned that they are up there in the years so it
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is the first time i've heard that. host: thank you. robert from texas. robert, good morning. why are you voting for the first time this cycle? in the i believe it is interest of the people of america to get back to the roots of our country. clinton is not doing anything except trying to take away the second amendment. doesn't care too much about the people who serve our country. mr. trump is arrogant. but i used to live on the east coast. so we are arrogant anyway. but we tell you how it is. not candy coating anything. but hillary is a candy kosher.
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just wants to keep the good old boys going. trump will shape things up a little bit. and will get things back to normal. , i am saddened for their plight. but if they would waste their time trying to straighten up their own country instead of getting into ours, their country would be as great as ours. because they do have the resources. we don't need to get that here in our country. has cosi like donald trump because he tells it like it is? caller: yes, that is exactly right. host: what about john mccain in
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2008, he was known for his straight talk. he played up on the election circuit as he made the rounds, why did you not vote in that election or in previous elections? caller: well, i just didn't. i don't really have an excuse for it. , i people that take it in wouldn't have voted for them anyway. now, i couldn't sleep at night knowing that she has a briefcase for the nuclear work program. i think she is a loose cannon. we've had the clintons. and yes, chump with molesting all these women a coming up after 30 years, give me a break.
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at least he is not molesting boys. so i have to go with trump. he tells you how it is. he a self-made millionaire. he was born with a spoon in his mouth but you know, he still thrived with what he is going for. and hopefully you will get in. mira is waiting, good morning. :: yes, this is my first time voting. the 2012gible in election. -- i was eligible. at that time, it was clear that romney would win. and figuring needed to vote.
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but this election is special. andave two major candidates there is a huge contest between them. georgia iste of seeing such even results. where clinton does of the possibility of winning. i myself am, supporting gary johnson for president. and the reason i'm doing that and because he is getting at a vote is because i feel like we who are bothdates not open with constituents. basically are not doing a good job in catering to what needs to be done in this country for people my age. and gary johnson is someone who has come out and who has spoken
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for us young people. and you has outlined a great plan the does involve the government but also, takes advantage of the private sector in making america as great as it should be. in georgia, the voter registration deadline just past. are you registered? caller: yes, i am registered. hurricane coming through. devastation, especially for people in savanna , which is very democratic and liberal. and i feel like there should a heavier push-- to allow these people to defend their decision in florida. and that will be unfortunate.
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because they can sway where the electric goes. if people can't vote, it gives trump the advantage of winning. host: rebecca is waiting in alabama. why is 2016 the first time to vote for you? to haveit is important someone in there now who will enforce laws. and i have seen so much of the political stuff going on that isn't right. hillary is a joke. her husband was terrible. it solid political conglomerate to make themselves rich. you talk about forcing the
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laws, closing the border, was is just not as big of an issue for years ago? caller: no, it wasn't but it is now. i been out there and i've seen it. emanuel is in hyattsville, maryland. good morning. caller: good morning. this will be my first time voting. i am a legal immigrant. i've just been given citizenship. and i want american people to that immigrants are not beggars, their contributors. we have been impacting the economy. i've been working hard and contributing to the country. listen to what donald trump said about this election, he is very dishonest.
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and he studies going to have a wall and mexico's going to pay for it a reporter asked in the question, who will pay for the wall and he said, we didn't discuss about the payment. importantas the most case in his candidacy. so i just wanted to let people know that donald trump is the most dishonest person. wouldn't -- and he shouldn't find himself any when you're the presidency. votermaryland, the registration deadline hits next tuesday. tony is in silver spring, maryland. go ahead. caller: hi, how are you? i am voting independent.
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i can't stand trump and i can't stand clinton. from the same club. the american people are being conned. they think that the republicans and democrats are going to fix this. -- a lot oftry white people keep voting. i'm saying people feel nostalgic .bout going back to the days but when was america great? killing millions of indians? by slavery? is that what they want to get back to? so for me, i'm voting for jill stein. she is something new. she's bringing something fresh. i am an immigrant. i hear very insulted -- i feel very insulted when i hear donald trump talking about this. it is a white power.
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was tony in maryland. alaska,calling in from good morning. go ahead. caller: hello? on your tv and go ahead with your comment. caller: hold on just a minute, i just have to turn it down. ok, i am turning it down. host: while you do that, why is this your first time voting? caller: it is actually my second time. i didn't understand the voting stuff and a voted years ago but this is so interesting for me right now. call feel like i need to in and go vote. host: what do you mean by interesting?
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caller: the two candidates. as you can tell, i'm a woman. mrs.'t know too much about clinton. yearsremember her husband ago. doing his thing. was a little bit know,t the women, i don't but that is the past, and this is the present. and everyone is down on hillary. which i don't understand. she's running for the presidency, not her husband. so what are they condemn herself much? it because most men are so prejudice against women running for president? i don't understand what it is. i do know one thing.
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i wouldn't never ever vote for trump. he is a loser. i've gone far back with him. i'm 85 years old. i've gone through a lot with him in the past. and he is no good. so my vote is for hillary. that was our last caller in this segment. to pointicles i want out before we end this segment. news out there this morning. a story we have been following this morning. john stumpf from wells fargo retire from the company yesterday, effective immediately. was came weeks after he grilled by commercial panels over the way his bank handled an alleged scam where upwards of 2 million accounts work created i employees without the knowledge of customers. the accounts were open so that employees could meet aggressive sales goals.
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with $134 million from retirement. that remains even after he agreed to a $41 million drawback . and one other story for you this morning, making headlines, this is from the new york times. an american war streak has struck areas controlled by yemeni rebels. the pentagon says that targeted an american ship. the have loosened connections to iran. the strikes were approved by president obama. , they areon said warning of more to come. up, we talk with the kelly janedard's
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torrance. and later, the effort to get millennials to the polls. that is coming up this morning. ♪ >> watch c-span's live coverage of the third debate between hillary clinton and donald trump. the preview begins at 7:30 eastern. the briefing for the audience is at a: 30 and the debate starts at 9:00 p.m. eastern. stay with us after the debate for viewer reaction.
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and watch the debate live or your desktop,g phone or tablet at listen to live coverage of the debate with the c-span radio mobile app. the app store or google play. our 2016 coverage continues on c-span. with live coverage for the senate races. afternoon, the eighth congressional debate between brian fitzpatrick and -- and at 7:00, richard burr and deborah ross debate for the north carolina u.s. senate. friday night at 8:00 eastern, the wisconsin debate between the republican senator ron johnson and russ feingold. and then, debating for the nevada u.s. senate. 2016 campaignlete
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coverage on and listen on the c-span radio mobile app. >> washington journal continues. host: kelly jane torrance is back. she is the managing editor at the weekly standard. and the headline over the weekend -- "dump trump, now, more than ever." with your boss? and if so, how do you make that happen? guest: i definitely agree with him. and it is a little bit hard not to have been "i told you so attitude. those of us who have been saying from the beginning that trump is not fit to be president, we have been proven correct. i wish i hadn't been, i wish this had gone better light each day you think ok, this is the
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worst day and it can only go up from here and then something new comes up. and keeping up with the story has been an up-to-the-minute thing. are as may, new allegations were coming up. the landslide of allegations is making it troubling. we even see people like john , hein, who endorsed him finally has withdrawn his endorsement. which he gave after donald trump personally insulted him. host: another headline -- it is trying to realize which the gop were right about donald trump. leaders do you think were right about trump? and at what point are they allowed to continue to walk away from donald trump and still be right? or does this become political expediency? guest: exactly.
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-- from the beginning has been and i trump. and it was a danger to himself after he came out against trump. people were upset with him. and you have to wonder, how to ted cruz feel? who endorsed him in the last few weeks and then this comes out -- you think, should you have just waited a little longer? paul ryan, whoe is not rescinded his endorsement that says he will not campaign or work actively to help but he hasn't cold his endorsement. i do wonder, what would that take? kelly jane torrance. phone lines in this segment. democrats, (202) 748-8000. republicans, (202) 748-8001. .ndependence, (202) 748-8002
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guest: the weekly standard does not make endorsements. our editor has been one of the biggest "never trump" people. but our cofounder of the magazine, in the past he has been reluctant. he said he needs to go for trump just to not get hillary and. ending most writers have been and i trump but not 100%. host: so there's no editorial board, emerald can write their own,? guest: it is a diverse group of conservative. we often write our disagreements in the pages of the magazine. and decide for themselves. host: again, if you want to call and, democrats, (202) 748-8000. republicans, (202) 748-8001.
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independent, (202) 748-8002. it is time for me to call in. i listen to your show every day. my concern is for -- i'm a democrat. my concern is for our country. what i'm concerned about is the rhetoric that we hear. and all the things that are going on. that ourody understand monuments are precious to us? our country is precious to us? everything here, the people in our country are mostly immigrants. and we should be praising our country and not tearing it down. about a lot of fear donald trump as a president. i think donald trump wants his own country. and i don't think we should allow them to take over our country. let's be strong americans. let's fight for our country.
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and i hope we will have somebody -- i know we are talking to my family. i know what we are going to do. so let's protect the country that we have. guest: a lot of people, democrats and republicans, are expressing those sentiments. people are worried. you have the two most unpopular presidential candidates since they started measuring these things. way given of sad in a how many problems we have going thishat we are having strange election season, talking about the candidates and the candidates' husbands with sexual assault charges. when was the last time we got deep into the issues? it is shocking. i wish americans had better
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choices this fall. host: in terms of other options, one of the third-party ,andidates, and mcmullen showing him in a statistical tie with donald trump and hillary clinton, could be the first presidential third-party candidate to get electoral college votes in decades. what does that mean? a very viable third-party option in your mind? for a protest vote? -- or a protest about? guest: it is interesting. i was talking about the policy director asking him, what is your next strategy? their best shot is to make it close enough in electoral college votes were a goes to the house. if nobody gets enough electoral college votes, it then goes to
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the house. the best shot -- that is the best shot. it is not only a protest against the major parties, it is a protest for decency and for should -- and for people who we should be proud to call president. guy who wase a good worried about our country like the previous caller. giving people an option people can feel good about. you can vote for that person and still say that night. a host: let's get an independent voice. caller: shame on these republicans are not standing behind the people's choice. the people choice -- the people chose this man. mr. trump beat all of the other republican candidates out there. are any of these other republican candidates a perfect
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saint and never said anything that could be held against them? come on, guys. host: kevin makes the same in the opposing page of usa today. guest: there is something to that. we did have a primary contest. how many voters voted for trump? had a primary and caucus. it was a very small number of people. donald trump did not get a huge majority of those voters. if he had gotten everybody else -- if you had gotten everybody else from all the anti-trump voters, he would not have won. to say all of the gop voters are on trump's side is not quite
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accurate especially given how only a few people decide the presidential candidates. host: let's hear from a republican, steve, in pennsylvania. caller: i have a couple of different slants on this entire process. for me, the reason why i support donald trump is not because what he says he is going to do, but it has been a political machine has been in control of our nation and so long, the clinton machine, the bush machine. . during the primary, we may have defeated the bush machine once and for all. the defeat of hillary clinton will be the death of the clinton political machine because who knows where she will be in four years. it would probably put the final
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nail in the coffin of the bush machine. going forward, if trump is elected, if you going to restore america to greatness? america is already great. he may do something to get him impeached. the fact is america will survive. of aed another four years political machine -- we don't need another four years of the political machine. through her entire life has been stage from her election. she ran for the seat in new york. they chose hillary clinton because she was groomed for this position by the political machine. been she loses and a primary season to barack obama, and she is hand-picked to be the secretary of state, flies all
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over the world as if somehow that is a huge accomplishment. carly fiorina, her comment about it was flying around the world is not an accomplishment. it is just a function. host: kelly jane torrance, i will let you jump in. guest: that is becoming the republican line, both for trump, maybe we will get lucky and he will get impeached. if that is the best republicans can say about their candidate, that is scary. hillary was not expecting such a tough primary fight this time around, and bernie sanders was able to make a real go at it because of the feeling that the caller expressed. people are tired of the same old, same old. that is a big part of why
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sanders did so well and why we are seeing a trump thing. i would just as the caller, he is right, america is great. for years of trump, if we could survive that, we could survive anything. but it is sad when a republican is saying, hey, he may get impeached, so don't worry. host: in terms of what the campaigns are and aren't expecting, new stories coming out less than four weeks until election day. what do you think will be more damaging in the end? the stories about the clinton campaign e-mail lisa wikipedia -- e-mail wikileaks, or donald trump's comments against women? polls showlast few , andd trump ahead by men
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some polls show hillary clinton ahead with women. these were taken before the latest allegations. . was already doing very poorly with women. this cannot help. the e-mails coming in, unless there is something really surprising -- the e-mail story has been going on. we start -- we saw the state department e-mail, with this has been a story for a while. stuff,e donald trump many of us are not surprised he had unkind things to say about women. he has saidt things have shocked a lot of people in that have a bigger effect. host: the real clear politics average of all the polls that is out there, they have the race had 47.7 for hillary clinton to
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39 for donald trump. this chart showing just the past 30 days. jeffrey is waiting in gary, indiana, democrat. caller: good morning. host: go ahead, you are on the line. donald trump and hitler. this is another reason this year is so strange is that the group that calls itself the right, they are white nationalists on the whole that have no economic or social policies in common with the republican party. but trump is very popular amongst these people and we are hearing coming them come out of the woodwork for the first time in a long time.
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sometimes i will make a tv appearance and say something about trump, and it amazes me with some of the comments that come back. it they are very anti-female. it is that this group is out small but i think it is a group of people, and i am hoping that they have come out of the woodwork, will make themselves known and others can shame them into disappearing again. host: archer is in maryland. caller: thank you for taking my call. i have been a democrat all my life. i am a 74-year-old woman. and i just can't stand the thought of hillary clinton getting in for president because i have had security clearances from be at non-two desert storm vietnam to i
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desert storm. i am thoroughly disgusted with hillary clinton. every time i see her on tv, i hit the mute button or change the channel. she is a liar and she should be in prison. understand why she can stand up there with a straight face. she should be in prison. the real thing that turned me off was benghazi. i worked for the cia, when i got debriefed, they told me, you cannot say any thing except that you work for the cia. anymore, it is 10 years in prison or a $10,000 fine. how hillary clinton has gotten away with all these e-mails and line about benghazi. they had two or three chances to save those guys in benghazi and one of them said, if they want protection, we have to go to
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another foreign country. and then went to came out with a comment, oh, what difference does it make? it really disgusted me and make me sick to my stomach. she should be in prison and i pray to god that most people wake up, young and old, and wake up to the fact that she is a liar. she is expressing very strong sentiments. fromentiments i am hearing democratic friends of mine, they do not like hillary. she is a candidate that is quite unpopular amongst her own party, but the republicans managed to find and nominate the one person who could probably not be hillary. it is a strange year in which you do have someone -- the fbi director made it clear he is not going to charge her. he made it very clear that she did not handle classified information properly. it is kind of frightening that
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that person may become president. but that is only because republicans nominated someone worse. -- i wonderoom asks if other companies complain about the same thing? do other countries not have them? guest: i am originally from canada, but i have been here a long time. i was joking that this year, canada almost became like the u.s. in electing a politician that was a lot more style over substance. bum andudo was a ski then a politician. he very quickly became prime minister. in some countries, you get more surprises when you do here. and arele who do run not politicians, tend to be businessman and can finance a campaign.
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same thing in canada, a smaller country with non-fixed elections. it is a much shorter election season because of parliament or a elections. people are already angling to become the most -- to become the next nominee. to be a viable candidate, you need to have a source of funding, which -- whether it is your own money. money is one reason that we see either established politicians, or businessman who make a run for it. host: franca, good morning. my for republicans. caller: thank you for taking my call. i am definitely voting for trump. i am helping the women, and republican women to stand for trump and calling everybody. aam a pro-lifer and trump is
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pro-lifer. shame on republicans not supporting trump. we are trying to keep the voting honest and not crooked like hillary or crooked like it was during the time of obama. republicans other -- i am ashamed of the republicans. and his endorsers are dropping off. and paul ryan, i was so happy when he endorsed trump. i am a little excited. i live in santa monica. democratic most country in america. you say you talk to republican
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women about voting for trump. what response have you gotten to that access hollywood tape? and then today, headlines from the wall street journal posts accusations by women? guest: excuse me. i have a response for that. trump usingee with that language, but i have had -- but i have heard worse than that. kids use language worse then trump. the way the kids talk, they don't have any kind of education from their parents. they talk worst than that. i hear them. i hear them talking to each other like they are truck i am sorry, i
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should not say truck drivers. guest: words are one thing, actions are another. there was a possibility at first for some people to say that what trump said, and his own defense, it was locker room talk. i think talking about what you can get away with because you're famous in terms of touching women you have just met, that is beyond locker room talk. -- we have find out now found out that he did do that. multiple women said they experienced what he said he did. i can meet someone, kiss them, and grabbed them, because i am famous. we are more willing in the state and age with social media people catching things what they say off the cuff and don't think through, but this is different. he said this is how i acted when you start to see evidence, this
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is exactly how he acts. host: should christians vote for trump? guest: that is a very good question. the last caller mentioned she was pro-life and says trump is pro-life. but he only very recently became pro-life. he was pro-choice before that and was in favor of funding planned parenthood, which is a lot of -- which is what christian republicans are concerned about. flip-flopped on so many issues, and we don't know what a trump residency would look like, and he does not know what a trump presidency would look like. going to vote for him because he will appoint the supreme court justices will keep -- will get rid of ruby wade, he will do this, he will do that, he doesn't know what he will do.
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mike inet's go to virginia. caller: thank you so much for this show. i watch it every morning. going on what your guest was just say, his unpredictability is what is scariest to me. i have to quick comments, the first, the republican party needs to reinvent itself. realize republicans that, and as a result, we had 17 people running in the primary which resulted in trump getting the plurality in most votes. represent -- for any is --ican not to back-end the largest issue is the length of the election cycle that we have allowed to push out and push out where we are spending two years listening to these
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people and their hateful rhetoric and their bullying and evasive of the issues, republicans really brought this on themselves. i have voted republican and democrat, but where we are right now, people are so angry. people are so frustrated, but more than anything, we are all just exhausted by the process. it really boils down to the last several elections, just picking who will make this go away. guest: the caller made it some excellent points. it really has turned into a spectacle. of bunch of us has wondered does trump want to become president? some of the things he says and does seem incredible. is this a brand building exercise? his daughter who seems very put together, supporting her father,
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it was a brand -- was it a brand building exercise for the family? need is a brand building exercise that has gone very wrong. maryland.a is in caller: how are you? host: doing well. go ahead. my -- [indiscernible] host: not quite sure about? guest: it would be hard to argue with that. this is the first twitter election and it is bizarre. you have a presidential candidate of that 2:00 in the
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morning tweeting. you do wonder if he is thi n-skinned, going on these rants on twitter, how is he going to handle himself on the world stage? he seems like someone who let his emotions get the better of him. i think him being an emotional guy has helped him win the primary because he seems to be the guy who cared. remember jeb bush, low energy. there was one point in one debate, the moderator asked each of the republican candidates, what is your biggest weakness? jeb was the only one who was honest and said i cannot seem really angry. this year, voters wanted to see someone really angry, someone fed up like they were. that is what we got. now is the person
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so thin-skinned that he will not be able to handle himself? says the mediar is as corrupt as hillary clinton. take the stories coming out today in your perspective. the wikileaks, hillary campaign e-mails, now these allegations about donald trump's past behavior against women. guest: i have to admit, i have been wondering why are we just hearing about this stuff now? why did this not, during the primary? some people wondered if it was kept out because people in the media wanted donald trump to become the nominee because he was the easiest person for hillary clinton to beat? you have to wonder -- host: do you have -- do you think that is what happened? guest: i think it is possible.
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these women were coming out now, why did they not come out sooner? ,he excess hollywood tape things i have heard hinted that billie bush was bragging about this episode when he was covering the olympics in rio and that is when people were alerted to it? i don't want to have a conspiracy theory? it is unclear? -- everye he a media time and media reported about what happened to hillary, i thought what he said was very damming? maybe that is not the biggest emphasis? information on all the candidates is out there? their questioning that some reporters have a slant? there is a lot of information out there for voters. host: alicia is in harrisburg, pennsylvania. republican. go ahead. caller: good morning. is it kelly jane. guest: yes it is.
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caller: you are doing a very good job. there are some questions i have. number 1 -- why do the black people vote for a democrat when it was the republicans who freed the black people? there and you are -- you sit there and saying that donald trump is a saint. she is not a saint. have you watched the film about hillary? everything he said in that movie was true. i wish the american people would watch it. hillary gets it because the american people deserve her. earlier,man who called
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she was groomed for this. guest: i have certainly not said hillary clinton is a saint. themselves have done and the country a disservice by fornating somebody so unfit the presidency and such a terrible candidate that it is making hillary is much more viable candidate. the information is out there, it is clear, she mishandled classified information and seem to have a lackadaisical attitude about it it seems like someone who is power driven and in this for herself. i think it is unfortunate that america is faced with these two terrible choices. i certainly do not in the anybody this fall, next month, deciding which of the lesser evils if they are deciding between them. host: and she talked about the
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african-american community and republican effort to reach out to the african-american community? guest: she brings up a good point. pete -- republicans like to emphasize the party of lincoln. that was a long time ago. the democrat seven able to capture a lot of the african-american vote over the past few decades. republicans are having trouble getting some of that back. part of the reason is they do not do a good job -- they do not do a good job explaining economic policies and principles that can help revitalize inner cities, get people social mobility. this share, we are hearing about taxes and the wealthy. they are not speaking in a way that i think would reach out to
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people who had not given them a chance before. host: let's go to little rock, arkansas. here with kelly jane torrance with the weekly standard. i hope i am saying this right, it is towana. caller: yes. so much forank you showing the third-party candidates, gary johnson and jill stein. i have been a democrat all my life. away -- i and am and switched and am an independent. i am african-american. and i don't even understand why african-americans are even considering voting for hillary. i don't trust her. i don't like donald.
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i know a lot of people who are going to be voting green party. to be honest with you, i think the media will be in for a rude awakening because they will see the green party and maybe even gary johnson may have high numbers in the selection. this was a real missed opportunity especially for the libertarian party. year when theye had a real chance of actually having a huge effect in this election, and they decided to nominate someone who was not quite ready for prime time. we have seen gary johnson had his own moments, like aleppo. he had no idea what was going on in aleppo. and the migrant crisis in europe and elsewhere. the libertarians really had an opportunity visscher and they blew it. that is surprising that they did
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not see this coming. the two major parties have candidates that are really disliked, and let's offer a solid choice, but savvy, that did not happen -- but sadly, that did not happen. host: the caller mentioned our program featuring jill stein and gary johnson. viewers, if you missed it, you can go to, and check it out. on a programming note, a couple of things will be showing, some , we have been promoting her to be covered and we will show pennsylvania's eighth and u.s. senate debates today at 12:15 will be that eighth district debate on c-span and at 7:00 p.m. will be the senate debate we will be covering. we will be covering the wisconsin in nevada u.s. senate debates as well coming up on friday at 8:00 p.m. 10:00 p.m. we --the plug-in will
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be the nevada debate. in northaiting carolina, a democrat. good morning. us? ca, are you with caller: yes, i am. sorry. to -- whenurious as i consider the president, i him be representative of everyone in our country. for the next four years, i believe it would be hard to watch donald trump represent everyone in our country as opposed to anyone else that is that could, you know, captivate our country as a whole, you know? especially globally. i think hillary could do that, but i don't know the other two
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candidates well enough to judge. i am just curious as to how people think the donald trump could do that? guest: the caller brings up an interesting issue. we had these two incredibly disliked people by a wide swath of the american public. one of them is probably going to win. a kind of a mandate does this person have? what will the presidency look like? very divisive election and i wonder once it is over, i have a feeling that won't stop. if trump does not win, he will say it is rigged and who knows what lawsuits he has in mind. one of the caller said, i am exhausted by this. i cannot wait until november 8 is over. not to wear your viewers at all, i do not think we will see the end of this kind of ugly
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politics and very polarizing moment in america. i don't think it will end on november 9. host: kelly jane torrance at the weekly standard. you can check out her work at the thank you for your time. , millennials makeup 31% of the eligible voting population. our next guest, jesse moore, will discuss rock the vote's effort to get that vote to the polls. -- we will discuss about what that means for consumer watchdogs. [captions copyright national cable satellite corp. 2016] [captioning performed by the national captioning institute, which is responsible for its caption content and accuracy. visit]
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>> every weekend, the tv from two 48 hours of nonfiction books and authors. here is what is coming up this weekend. book tv is left on the 28th annual seven festival of books in nashville. the festival features over 200 authors from around the country, panel discussions, and booksignings. saturday, our coverage begins at 11:00 eastern. ieatured authors include arl hochchild. beth macey, two brothers, a kidnapping, and a mother's quest. and patrick phillips, a racial cleansing in america. on sunday, it is day to of the seven day festival of books.
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include josephs , andrew ly oliver wentworth.arjory at 9 p.m., afterwards, temple university professor sarah talks about the cost of higher education in her book "paying the price: the betrayal of the american dream." tuition and fees are less than half and sometimes even more than 30% of the total cost of attending college. the real hangups that students have the need to pay their rent,
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to pay for utilities, to buy food. thingsy cannot do those in the same way when they are in college because they need to spend time in the classroom. it is those kinds of things we saw trip them up over time. it really wasn't the tuition and fees. theok complete we can schedule. >> washington journal continues. host: jesse moore is with us to discuss efforts to increase millennial turnout the selection. he served as vice president of civic engagement at rock the vote. remind our viewers what rock the vote is. >> it is a nonprofit organization. we are nonpartisan. our job is what you just said, engage the millennial voters and turned them out. that is everything from building the technology they need to make registering and voting as easy as possible to chasing them down with reminders when it is time to register or vote.
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host: what are the biggest barriers holding that young voters? guest: young voters get a bad rap a lot of times when people talk about them being apathetic. the reality is if you look at social media, if you look at even our streets, our communities where people are marching in making their voices heard on issues they care about, young people are really passionate. the biggest obstacle our age old like craft nation. aen was the last time you saw 23-year-old sit down to write a term paper three month in advance? it does not happen that often. does over the last two days, we registered over 200,000 people as the deadlines set it to creep up. that is what our data is showing. young people are tooting and right now. host: if you look at the data on voter turnout, millennials making up 31% of the voting
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population, but not a reliable voting block. here is millennial turnout from three years compared to gen xers, silent generation, is or anything to indicate that anything will be different this cycle, or will millennials be the lowest turnout? guest: the youngest generation in each election year will be the toughest want to turn out. the reason is not as much to do with engagement is that voting is a habit you have to build over years. as you become older, it becomes more of what you do. your likelihood to vote raises as you get older. i also say, this is the largest voting block in american history, which is incredible. this is the most diverse voting block. once it starts to flex its muscles, not in the presidential race, but in the local races,
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they will start to turn out in bigger numbers. host: jesse moore is with rock the vote. if you're 18 to 35 years old, it is 202-748-8001. if you are 36 years old to 60 years old, the number is 202-748-8001. if you are 60 and older, the number is 202-748-8002. you can start calling now. as you are doing these registration drives on campus am about are you hearing 2016 bringing the voters out? guest: there is no getting around it, the presidential race is eye-catching for a lot of voters of all ages, but young people are just like anybody else, drawn to what is on the news and mr. trump and secretary clinton are drawing a lot of attention. the question, there are a lot of people were supporting child and clinton -- supporting trump and
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clinton and those eager to vote against both candidates. what is refreshing to me is hearing directly from young voters that they are really interested in finding more about who their local district attorney is, there may or is, their sheriff, policing. justice and criminal reform is drawing the focus for a lot of young people to know, who is running my neighborhood? who was making decisions on my block? frankly, that is where the decisions we care about come from. electionspresidential are opening interest in other elections? guest: yes, and it is really refreshing and as a country, we should move forward as quickly as we can. it is where we started as a country. politics should be local.
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not only are those the issues we care about, but that is where our power is. host: rock the vote, is that how you get people in the door i talking about the presidential race? and then once they are in the door, encourage them to vote another elections as well? guest: it is a mix. there are people who show up and say i am interested in making sure the police in my neighborhood are safe and protected. that lets us know we need to let them know about local races. others want to know about the supreme court and other issues. i used to work in government and i can say most americans think of the presidency when they think of anything, whether it is pothole's in the street or policing our health care. i know from being inside the government, so much of what we change has to be done at the
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local level. what lessons did you learn that you are taking to rock the vote? guest: one is you have to make millennials where they are. worse, and i just make the cut as a millennial, so i don't want think young callers to talk down -- so i don't want young callers to think i am talking down to you, i am with you. where theyt places are authentically engaging. we had been doing pop up art galleries were people can express themselves on issues that are important to them. that is what i learned. you have to meet people where they are with voices that they
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know and are already paying attention to. these candidates have nasa platforms -- is candidates have massive platforms. that is not always were a 19-year-old is going to look for an authentic experience. they will listen to artists and people who they connect with on an emotional level point -- emotional level first. caller: thanks for taking my call. politicians have stolen every bit of the money that millennials will have for the rest of their lives. we all believe that the government is not corrupt. the government is 100% correct. influencecians try to , especially our college professors. if they know you are republican, they will fail you or they will
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manipulate your existence in the class so you do not do as well as you could. my question to you is, what do you believe about the influence of those who are in charge of teaching you, and how that should be altered in some kind of way just as the media should be? the elections are bought and paid for. whoever votes for whoever a vote for won't make any difference at all. thanks for taking my call. host: jesse moore? guest: i would say this and i come from a family of educators. freedom of speech has to be first and foremost. has that in mind encouraging that with their students and building a space that makes it easy for people to talk with each other about their differences. i will also say that it there is
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anything that is falling off in our democracy, it is a space for civil discourse on difficult ideas. there is no better place to practice it, to get more acquainted with the practice of civil discourse that in our or highclassrooms school classrooms, or elementary classrooms. how do we inspire more people with a mindset like that to get into teaching, to get into education is a good question. i don't have the answer, but the more we can make our schools a the betterdemocracy, that people are not looking at each other like a different species when they do not agree. host: how do you feel about trigger warnings for topics that come up. ofngs that have gotten a lot attention as these discussions
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are happening on college campuses? to admit, but sad in a lot of cases, we are a few steps away from where we need to be for these conversations to be really functional. it can feel really volatile to talk about. the highly political, or i should say the highly politicized issues. we have to keep doing it. campuses on college and in communities, it actually feels like people are looking for the tools and space they need to have a cultural conversation and not feel like you are on one side and i am on another and we are opposing each other. it's a fight. this is what america is, this is what it was built on and we need to create more effective spaces for people to hash these things out. host: on the line between ages 18 to 35 is teresa in tampa, florida. caller: good morning.
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thank you for taking my call. host: you are one of those millennials we are talking about. go ahead with your question or comment. caller: i want to comment to jesse, right? guest: right. caller: what you were touching on earlier as far as why you think millennials have not participated, and why you think the older voting groups do participate more. from personal experience, i will i waswith you that i feel a child of the great recession. i lost my parents -- my parents lost is not in 2008. my earliest memories are of the afghanistan war that we are still in today. votee only been able to for 10 years. i voted for obama twice. this primary, especially, i was inspired by bernie sanders.
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but my eyes were opened as well to what the political arena is actually like. it was very saddening and frustrating to see how bernie sanders was treated by the democratic party. and and consequently later on, we all found out that it was true, we were not paranoid. now i feel as far as the white males being leaked, -- as far as the wikileaks e-mails being leaked, as the previous caller said, i feel like the government is very corrupt, and the media is helping. i feel like it reports what it is told to report. i feel like i have to go out of my way to get actual facts that are not tainted by partisanship. it is really difficult. even on channels like cnn and fox and msnbc, you know what you
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are going to get. if you want to's -- if you want to's hear a positive spin on trump, go to cnn. that is not the way it is supposed to work. going up to the polls is important to me, but i kind of feel like it does not matter. stein,be voting for jill and i take a lot of crap for that, and i really don't understand the lesser evil argument, but i can see how some people are brought into it. i just kind of feel like as a millennial, i have been told for several years that it is my fault i'm in the position i'm in. people my age are lazy. the truth of the matter is, wages are not going up and they have not for a long time. and i feel like financially that i am held down and it affects my
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ability to go and participate in rally in protest and to stand up for the things i believe in. things like minimum wage would go up, or if i could make a little bit more money at my job now, i could participate more. it is not that i am a procrastinator, i am not given a choice. thatot given that luxury may be some older, more established people have. host: teresa, thank you for the call from tampa, florida. as you answer, i will show the headline from the wall street journal, the story noting that the e-mails have a potential to revive the anger that sanders supporters felt when it comes to hillary clinton consolidating. thoughts based0 off of what she said. thank you for your comment and i agree with you on a lot of that.
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the really coming frustration amongst millennials, including myself, especially the point you made about consuming facts, gathering facts, this is popular foram not talking about in washington, but the news is not always the news. the news is much more partisan than political as it should be. you are absolutely right. in thisickier than ever current phase of our democracy to track down facts that are not slanted. but it is really refreshing to hear you say that you are hunting for that. i find myself trying to do the same. i also find myself trying to encourage everyone from my to turn down mom the news every once in a while when he gets to frustratingly
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feel like you are getting biased information. --t i will say is this politicians, for better or worse, respond to who shows up on election day. who shows up to vote. frustratingit is and that is something that is not always what people want to hear, but it is true. who and whoto track doesn't vote. if you are trying to keep your job as a politician, you have to know who is voting and who is not so you can maintain your power. so they are definitely interested on who shows up on election day. my hope is that we are equally motivated as they are. host: eric is on the line from 36 to 50 years old. you are on the line with jesse moore from rock the vote. caller: good morning and thank
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you or allowing me to express myself. think this will create more. [indiscernible] the media was in full power in america. the media was to be neutral and to present facts. this election shows what america is. clinton, ifk about the democratic party really have , we all know that
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bernie sanders was the candidate. republicanhe selected a candidate that was selected by the people. got your point. jesse moore? guest: it is a very common frustration and it is something where, i think more and more, let me put it this way, my first election was 2000, the 2000 election. that was a moment when they really came to terms with the fact that just a few votes can change the election. that was right when the money -- our news cycle really when the 24-hour news cycle got going.
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that is when i decided -- that is when i understood the power of media in the power of voters. florida was decided by a sliver of people who did or did not show up that day. i think you're absolutely right. imperative for this next generation of voters to demand something new, to demand something fresh from the media, and to hold them accountable. his point onakes twitter, it is imperative for one's mental health to take a break now and then. [laughter] nicole is in mechanicsburg, maryland on the line from 18 to 35. caller: thank you for all your efforts to get people in my generation to vote. i voted in the primaries. i am a democrat and a college student. i'm a policy student. i have a lot of experience in the classroom learning, and
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seeing how a lot of people in my generation are getting disillusioned, especially with the e-mails coming out. me and my friends will sit down and we will have conversations about policy and about how we are viewing the current political system. sorry, i am a terrible public speaker. taking everything with a grain of salt. you see the bias in all forms of media, and it takes a lot of effort and a lot of people don't have the time to sit down and i just what you are seeing and what you are hearing in making an informed decision about who to vote for and if it makes a difference or not. thank you so much for reaching out to young people like me. guest: thank you. thank you and your great -- thank you and you are a great public speaker, i think.
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you are exactly right. one thing i tried very hard to do is after watching a debate, or watching a speech from a candidate, turn the tv off and think about it for a while. i think c-span probably gives you more space than most networks to actually think and reflect. always remember they are an option. the opportunity for us to actually turn to the person we are sitting next to a talk about the moment we care most about, moments we just watch unfold and what they mean for us personally or for the country, we are out of that have it. moment in our media culture that is very focused on conception, and we are always being simulated -- always be stimulated. i am barely a millennial, but i
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could barely shave in the morning without having a podcast in my ear. the more we could look for silent moments, the better. host: you mentioned earlier that rock the vote is nonpartisan, but you mentioned a big part of your effort is meeting millennials when they are, going to entertainers that are part of millennials'everyday cultural feed and trying to get them involved. how do you do it with the entertainers who are bias toward one candidate or the other? guest: that is a great question because artists, by definition, are outspoken and they want to say what they want to say. that we had to be very clear on the front and to let them know for this event, for this event, for this direct camera recorded, we need you to push voting, we ,eed to push civic engagement but you cannot push a candidate or a party.
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it is tricky and they do not always want to do it. host: have you ever had to say no, or have had a celebrity say no? guest: no. there have been some tough --ents once they are all they are already on stage. when somebody is on the stage, it is tough to give them the hook. host: can you give us an example? guest: every once in a while, want them toe will do a song that is really inspirational or will push people to think, and they will do that, but they may follow it up with a song that their publicists want them to be selling right now, which is not always on message. that could get fun. host: jacksonville, north carolina. robert is on the line for those 18 to 35.
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caller: good morning, and thank you for taking my call. i have a question about the millennials as far as how many people are voting this year as well as how many people are voting for hillary and how many are voting for trump. thatf there is millennials will run for public office particularly to be president in this country, and how do millennials feel about trump in this election? host: i can give you some data before jesse moore johnson. -- jumps in. who016, millennials identify themselves are democrats represented 57%. those identified as republican or lean republican, 36%. jesse moore. guest: that sounds exactly right. whichs important is,
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missed, is to what degree millennials are issue voters. that is really true. it is important not to get too caught up in their party affiliation or how they voted in the past or even how their parents about. millennial-- vote. millennials are allergic to partisanship. you will find every single time young voters drifting towards the candidates at the presidential level but also at the local level that are speaking to their issues, things like climate, criminal justice reform, gender equality, and issues like that. for: one other stat fro you. weremillion millennials
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voting age in the united states. a number almost equal to the 69.7 million baby boomers in the nation's electorate. let's go to kalya in williamsburg, ohio. good morning. comment was that we saw a lot of millennials supporting bernie sanders. my question is, where do you see them going now? because hillary appears to be everything that is corrupt and part of the established politics. trump appears to be everything that is hateful, bigoted. i don't see them supporting either of those two. guest: i think you will see more millennials gravitate toward secretary clinton as the election gets closer despite some of those challenges, which are completely valid.
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despite those challenges, i think a greater number of millennials, and again, this is just me reading the tea leaves, but it appears they are turned off by the tone and some of the stances on issues of mr. trump. he is having a little bit of trouble. host: what in particular? guest: i think immigration is one. also, gender equality. they are both issue areas that are giving him a little bit of trouble with the millennials who not all enemies, but the numbers tend to skew in a more progressive way. twitter usingon entertainers is insulting. white is a movie star's opinion count more than mine? they are still acting. guest: that is 100% true. what is interesting is movie stars and artists are the first
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ones to tell us that. we get to things from artists all caps on -- two things from artists all the time. the first is how can i help? the second is i do not want to pass myself off as an expert. how can i help where i am not putting a position to be a policy expert? that is a really refreshing thing to hear because i assumed to be forgetting to this work that most artists and entertainers were much more arrogant than they appeared were much more arrogant than your average person when in fact, they are trying to look for a way to help that will not make them pass themselves off as an expert. use yourr to that is, platform, your visibility to raise an issue to shine light on an issue you care about. just like anybody else in america, if they had a platform
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and had something they care about, raise an issue and urge voting. i am very supportive of that. host: about 15 minutes left with jesse moore of rock the vote. if you want to check them out. anthony has been waiting from sierra vista, arizona, on the line for those 36-60. caller: good morning. please give me about 90 seconds. i am a poetic writer, and i think this sums up what i wrote on october 9 this year, issues and tissues, jeseuus wept. no tissue provided to him. championship has been sexually active with the best looking girl in the school. they both are about to become parents. who do we cry for? how about the unborn child? issues and tissues.
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they affect how we see each other. where can we question past actions of a candidate? we switch to issues to mitigate the character flaws. switch to move the poll numbers or redistricting to ensure elected representatives. who has time to cry? yet we cannot bother to look at each other's eyes. afraid we may see our reflections in their eyes. issues and tissues are in short supply. what other issues most voters care about, with states can be influenced to move the tide and voting the balance of power affecting you and i. issues and tissues until the day we die. host: what do you take from that? guest: power of the arts.
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i actually enjoyed more people to -- it is another reflective thing to do to channel your thoughts through the arts and not enough people are doing that these days. host: north carolina on the line for those 61 and over. steve, good morning. caller: good morning. i will try to be brief. my main issue is american voters need to understand their president is only one individual supposedly leading this country. our house of representatives and the senate are the ones that actually controls the laws because they have the right to veto the president. we need to quit talking about the president of the united states and go back to actually affect us, the house and the
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senate really controls everything that goes on as far as laws and everything the president does. we need to get out of this obama.trump and donald trump has his views. he also has a right to speak. the president always has a right. if we took obama as a person in a seat, we belittle him. we totally disregard his actual power as president, the leader of our country. i am a military veteran. we were taught that the the -- ofactually is our military. the people listen to the political parties and have actually forgotten who runs this
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country. host: jesse moore. guest: first, thank you for your service. also, i will be the first to i think if you asked the president, he would be completely honest and let you know when you are in office, in the white house, the first set of lessons is what you do not have power over so i think you are exactly right. having not just the part you want in congress, the house, or the senate, but having onividuals who are focused progress, working together, looking for common ground, having discourse with each other as human beings, and not looking for the political edge and every turn. that is what you want. part of the answer is with our media not just national but also regional, how do we get more coverage of local elections,
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congressional elections? how do we get that covered more the regional level? host: another tweet says my home is a meeting place central for becauseals in florida my son and his government are organizers. they moved from bernie to jill. zack from boston, massachusetts, on the line for those between 18 and 35. caller: my thinking is that we should not be encouraging people to vote the sake of voting. i assure rock the vote and other similar organizations that are organizing the so-called millennial vote have a sense of this, but think it is important to reiterate that encouraging people to vote when they are not informed is a mistake. it is like encouraging people to take advantage of the second amendment just because it is available. i think we can all agree we definitely do not want that. when somebody calls in and says
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it is so hard to stay informed. it is hard to find unbiased media sources. i just do not buy it. if you can sit around and binge you can find, unbiased sources of information. another thing i want to point out is when you to stop to tending to millennials as the elite voting block. they probably operate the same way young voters did in the 1960's when you have people choosing politicians on the basis of whether or not they support the vietnam war, so let's stop defending the millennials as unique. the only thing they are unique in is that they have this sense of on-demand expectations from audience. ifi can order a car on uber, i can order a pizza to my house, why can i not get my politics on demand? whether that is policy outcomes or whatever the case may be. we need to stop encouraging
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people to vote and start encouraging them to ask questions and inform themselves. if you cannot do that, you should not be voting. host: can i ask how old you are? caller: i only seven. -- i am 27. host: have you voted previously? caller: yes, but i also skipped local elections because i did not feel i was informed enough to make choices that are more impactful than my choices at the national level. host: thanks for the call. guest: couple of things. one, you are dead on about the restlessness of our generation, where you are canceling a lyft or uber if it is not there within the two minutes and was promised. it is hard to cast your vote and not to the policy outcome you were so passionate about come to fruition right away. i think you are dead on. the culture is moving in a very fast way, whereas politics are
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still a grinding process. government is still a grinding process. there is a friction there. also, to your point about young people getting informed before they vote, also a really important point and something that rock the vote is working very hard to support, the development of new technology that makes it easier for people to get informed. we should get to a place in the , and if you goe to the website or you can be educated on will be on the ballot and go to some links that will help you figure out where they stand on issues you care about, but we should get to a where you aren able to click on the issues you let the appout th, or website know where you are and it will tell you who is on the ballot and where people
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stand in a very easy way, but you should start now. go to and get educated. host: would you want people to vote for voting ssake? guest: that is a really tough question. i want people to get in the habit of voting, but also the need to get in the habit of being informed. you do not want people just playing tic-tac-toe down their ballot, but the same time, it is a habit, it is a democratic imperative. even if there is one candidate or one race you care about, you have to show up. ,ome of those candidates especially those down the ballot when they get really granular in their community with who is voting who is not, they are watching, they are looking to see what age group, what demographic, with neighborhood neighborhoodswhat are voting. host: paul in virginia on the line for those between 36 and
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60, go ahead. caller: yes sir, one thing millennials need to realize before it's too late and they get a job and start paying taxes, always the bernie sanders, hillary clinton addresses, which i consider an american because of the policies, all of the stuff the government is going to give you is not free. when you get a job and you start paying taxes, you will pay for that. paychecktake and get a and your check says you made $500 for a week, but your take-home pay is only $250 and you start whining and crying and wondering, i don't have money for this and that, you need to look in the mirror. is because it is what you wanted. the this government is, the more
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money they take from you. the government does not create money other than printing it. you are the ones as the taxpayer that pays the money to the government to give money to the other people, especially people undeserving. host: did you want to add anything? guest: what at least we think of is he has a message for millennials that takes me back to i just wish we were in a space where so many like him can talk directly to millennials in their community more often. host: we have millennials still waiting on the line. lewis is in allen, texas. go ahead. caller: hello. ama millennial -- i am millennial, 22, and i want to s.op in my two cent
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we choose a favorite more than a side. that is pretty much what is going on. what they stand for, and all of that is secondary. that is all i have to say. host: you are saying millennials but more for the personality than the party or the policies of a party? yes, that and the policies are secondary. guest: to a degree, that may be true for some voters. i think the popularity of bernie sanders, for instance, i don't think he thought of himself as a theicularly charismatic or type of personality like president obama or others or even bill clinton have had with millennials. not the same kind of connection.
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i think he would argue that it was his stance on policy issues that got him his popularity. although i like listening to bernie anytime. host: we have had discussions about celebrity presidents and a culture of celebrity and how it seeps into the president and those campaigning. guest: that is true. i think it is partially why the can feel soight now polarizing. they have been in the public eye. they haven't celebrities for 30 years. these are folks's names who you know. they are celebrities and heironalities -- t celebrities and personalities outpace their issues in the media. host: john in public, maryland, on the line for those 18-35. go ahead. caller: thank you very much. to registerologize it to everyone to vote, but much like a military draft, bringing
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in too many uninformed untrained endple, it cannot and there. they have three of four the power of the vote, the weapon with which they have been assigned. hopefully your effort will not just end with registering them to vote. allowing spaces for civic discourse, and i think it is important for that to be civil, but i think it is also important that we provide spaces for discourse itself. go to thees tend to side of civility and do not challenge each other on the reviews. it is important that we not only improve the stability but the discourse itself and make sure people feel safe to challenge each other's views and believes, ask them why did leave that, effective get them to stand for a position and come up with reasons to support it. s ant: informing voters i
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creating spaces and technology -- and creating spaces and technology is important to rock the vote. you will see rock the vote more head in a direction not just to get people to vote, but it is also something to get them engaged on issues they care about, everything from art galleries that have discussions ted talksech talks -- and inspire them to learn all their own. you are right about civil discourse. i am very interested in the subject of civil discourse, where civility seems to be on the outskirts of our democracy these days. one thing that to your point that we have to do when we are
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creating spaces for people to talk about issues is to make sure, and i include myself and utterly my generation, we have to build spaces where we are preaching to more than the choir with what we are thinking, where we are writing for audiences who do not necessarily agree with us, but in that writing or our speech or in the way we are approaching the issue, we are not doing it in a way to defeat our enemies but in a way to persuade them. we are doing it in a way that will catch their attention and say, wow, i have not quite like that. i don't necessarily agree, but that is a new angle. at that moment is when you start to see pockets of agreement show up and government done well is when those pockets of agreement when you're able to date it and get something done on that issue and try to ignore everything else for just a minute. host: time for one more millennial collar.
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eric is in massachusetts. go ahead. caller: hi. i am wondering with the comment you made with the previous massachusetts callers saying rock the vote, you wanted to make an app that which of everyone around us. that sentiment would lead to a mob mentality and people voting uninformed doing that. guest: i am not sure i follow, but i think what i mentioned in creatingas mostly technological platforms that allow people to see where people stand on issues. would needeporting candidates to buy into something like that to say i want anyone using this technology or websites to get informed to get unbiased education on the candidates. i want them to know exactly where i stand on these issues. host: edith in new jersey on the
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line for those 36-60. go ahead. caller: thank you for this call. i just wanted to talk about african-american millennials and how they feel about injustice in america as far as the shootings protestsng and the they put forth. i feel as though they are not being heard or not taken seriously. they want african-americans to vote, but they are basically being ignored in this country. they are saying murder is not murder. they are murdering young black men. ok. the only thing they care about is their vote.
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i feel as though, why should they vote? what is in it for us? they want our votes, but we cannot get any justice. the case has not even been hurt wouldhis man -- heard this man with a shooting in baton rouge. host: our last two minutes. guest: i hear you. black mannnial myself, i will say that frustration permeates through me every day, but it also inspires me to vote more than it does to make me move away from the election process. not thinking about the presidential candidates, actually. duties, which i was most proud to serve at the white help the president with this 21st century policing task force. wasgoals of that task force
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to provide best practices and advice from the 18,000 law-enforcement agencies around the country. advice is the active word there. law-enforcement agencies, the mayors who manage them, house, senate, those folks do not report to the president, so he does not have the power to affect how police are being trained, supported, cap say themselves -- kept safe themselves, and keeping the relationships with the community in a positive space. i get frustrated with myself if there is an incident in my community that frustrates me or breaks my heart like a shooting. do i knowquestion is, who my police chief is? do i know whom i share is? do i know who my district
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attorney is liable hoping to hold accountable if things go poorly? have i done my homework? how i voted in the past election to dictate who that person is? --i have, it is only to do on me to do my homework to make track with someone in place and is only to be other town halls and call sheets. that is the kind of civic engagement i think will lead us to a place where our local re responsive to us, but also to a place where everyone is safer and feels like we're supported -- they are supported. host: jesse moore at rock the vote and thank you so much. guest: thank you. host: up next, we will be joined by yuka hayashi of the "wall
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street journal." will be talking about the consumer financial protection bureau and what it could mean for the watchdog. ♪ >> before the final debate between hillary clinton and donald trump, we are looking back to past presidential debates. this saturday at 8:00 p.m. eastern on c-span, the 1984 debate between president ronald reagan and former vice president walter mondale. >> we must understand that we are a democracy. we are a government by the people. when we move, it should be for
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very severe and extreme reasons that serve our national interest and end up with a stronger country behind us. >> i will not make age an issue of this campaign. i am not going to exploit for political processes my opponent's youth and inexperience. , the 1988 presidential debate between george h.w. bush and michael dukakis. >> you have a president that will work with the congress of the american people. you can bring that deficit down ,teadily, build economic growth build a good strong future for america, invest in those things which we must invest in, economic development, good jobs. >> i wish he would join me in appealing to the american people for the balanced budget amendment for the federal government and for the line-item veto. i would like to have
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that line-item veto for president because i think it will be helpful. >> in the 2008 debate with illinois senator barack obama and arizona senator john mccain. >> the situation today cries out for bipartisanship. senator obama has never taken on his leaders of his party on a single issue. we need to reform. let's look at our records as well as our rhetoric. that is really part of your mistrust here. >> we will have to make some investments, but we also have to make spending cuts, and what i , actually i am cutting more than i am spending so there will be enough spending cuts. the key is whether or not we have priorities that are working for you. >> watch past presidential debates saturday night at 8:00 eastern on c-span. want anytime on and listen at 8 p.m. eastern on the c-span radio and. -- radio app.
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>> "washington journal" continues. host: yuka hayashi is a financial regulations reporter at the "wall street journal." joins us to discuss the history and future of the consumer financial protection bureau in the wake of the federal court ruling this week. let's start by explaining what the ruling found and why that case was important. guest: it was a very complex case that raised questions about federal key aspects of the consumer bureau's operations and structure. areas thatit had two were handled. one was whether the bureau handled properly the specific enforcement action against a mortgage lender in new jersey. the other aspect of the case was whether the bureau instructor in
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itself was constitutional or not. that theny asserted bureau's instructor was not constitutional so the enforcement action against the company should be thrown out. host: what is the structure of the cfpb? has a fairlypb unique structure. it is by a single director other independent agencies like the securities and exchange commission also have commissions that are made up of commissioners from both parties that are confirmed by the senate. this agency is headed by a single. host: why was it set up like that in the first place? guest: it was determined by the. after the financial
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crisis, and there was a lot of back-and-forth, and that is how it ended up. host: this ruling has since found that estrogen to be unconstitutional so what does that mean for the future of the cfpb? guest: future of the cfpb, that agency, let's put it this way, the president, the white house will have more control over the agency. -- iously, the director was the president could fire the director only for cause. in its, theling director could be fired at the will of the president. it will become more of a sort of political entity that will be influenced by the political environment. host: yuka hayashi is our guest of the "wall street journal." if you have questions about this high-profile ruling this week or what it means for the consumer watchdog, phone numbers.
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as you are calling in, let's go back to the cfpb. why was it created in the first place? what was the void that members of congress were looking to fill when it was in the dodd frank legislation? guest: the consumer bureau was established in 2015. it was set up by the dodd frank act. the reason it was created was a lot of lawmakers felt the financial crisis showed there was no single government agency that was responsible for looking after consumers. previously the consumer finance was overseen by a number of different agencies in fragmented ways, and that created some gaps.
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people felt there should be an agency whose only goal is to protect consumers, and that p the balance of power away from the financial industry to the consumers. host: explain who richard is, where he came from, and why president obama first gave him a recess appointment and then why it took so long for him to get confirmed by the senate. guest: this agency is actually a brainchild of senator elizabeth warren. she was initially playing the role of the leader of the agency. i guess she was hoping to get a job as a permanent director, but because of strong opposition in congress, the president decided to go with somebody else. that was richard cordray, who was the attorney general of ohio
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, who had record of fighting against banks and getting money back. host: why did it take so long for him to be confirmed by the senate? remind viewers of the fight in congress over his confirmation. guest: this was before my time, but after the president obama nominated mr. cordray, it took about a year until he was ofally appointed because very contentious fight in congress with strong opposition from the republicans. host: what does it mean financial institutions that richard cordray and the cfpb have targeted since they had been doing the enforcement actions? guest: the cfpb has a very broad mandate. it deals with a wide variety of financial institutions, starting with the country's largest banks. with credito works
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card companies, mortgage lenders, student loan lenders, that collectors, payday lenders. a very broad mandate. host: yuka hayashi is our guest with the "wall street journal" covers the consumer financial protection bureau and other regulatory issues for the "wall street journal." you have questions about the cfpb and the ruling this week, now is the time to call in. rst in is up fi connecticut on the line for democrats. good morning. caller: good morning. whatcurious to know exactly is the ruling that came down? when you say a ruling, is this a vote in congress? congressit a vote in is what you are asking? caller: yes. host: yuka hayashi, if you can
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take us through what court this was and what the decision was. guest: yes. thank you for the question. the ruling this week was handed by a panel of judges of the d.c. appeals court. it was a court case, not a vote in congress. host: talk about how congress reacted to this vote because this is something that was closely watched by members of congress because there has been this is a monthly cfpb. a criticism of the cfpb. guest: it has been part of a debate over the past several years and republicans have been wanting too reduce -- reduce the power of his agency and the democrats starting with president obama with the poor support of this agency. when the ruling king outcome of the republicans were very happy
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-- when the ruling came out, the republicans were very happy. it chairman of the house financial services committee sent out a statement in which he said this is a good day for democracy. we got some comments from the democrats. among them was senator warren. bureau ishat the going to appeal this case, and it will be overturned. even if the case stands, the only thing the bureau needs to do is make some technical change. it would just keep operating. host: can you explain more about the lines of disagreement, why the fight over the cfpb? guest: republicans have maintained that he cfpthe cfpb
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symbolizes the overreach of the government, the expansion of the government power in a financial industry after dodd frank. the obama administration sees corefpb very much as the of its achievement. this is an agency that is to protect the interest of consumers, so they are determined to protect this agency. they want to strengthen it. host: compare the size of this agency to other agencies in the federal government. what is its budget? about how many people work at the cfpb? guest: it has grown quite a bit, but compared with other agencies, in is still fairly small. it has grown rapidly because as i said earlier, it has a mandate to cover a number of industries.
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still, it is relatively small. of the agency is a new agency, so it is not a household name among the public. they would like to have the public be aware of who they are and what they do and how they could help the people. host: we will get into a little bit more about how it is going about making the public aware. mark is in reno, nevada, an independent. caller: good morning. i was wondering about why the bill has not taken stronger action with payday lenders, some charge 5% annual interest. guest: thank you for the question. actually, the bureau is in the process of putting together a very comprehensive set of rules to govern payday lenders and auto title loan lenders.
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proposed a anden the comment period for the vote ended last week. there was a contentious nature of the rule. of your own received one million comments, which was my part largest number of comments this wasau has received -- which by far the largest number of comments this bureau has received. they say that this rule proposed by a bureau is so strict that a large part of the industry may be wiped out. host: who is on the side of this rule of making this rule happen? guest: this rule has very strong support from consumer groups. loansall, some of these charge interest rates that go as
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high as 400%. a lot of their customers are lower income people who have no limited access to banks. once they start taking these loans, a lot of them fall into the cycle so there is a very strong voice from consumer groups asking for very tough rules from the cfpb. it will be interesting to see where this rule is going to end up. host: we are talking about the cfpb, the consumer financial protection bureau, for our last 20 minutes or so here on "washington journal." apple valley, california, sally is a democrat. good morning. caller: good morning. host: go ahead. you are on with yuka hayashi. caller: good morning. i am wanting to make an opinion on this that the government needs to stay out of payday
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loans. untrue.ry we the people, voters, americans, so on every disability like myself, i have breast cancer, so i ended up on early disability. we have signed petitions to keep government out of small businesses like payday loans. there is no reason. they are shutting these places of business down. people need this because we need to $150 i this month. i will go to pay day loan. other smalln with businesses like this. they will be shut down. host: you use payday loans yourself? caller: yes, i do.
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i sign their petitions. onre is great opposition government staying out of american business. they are shutting them down. when we found out about this, they started having people sign petitions for this reason. .here is really no reason it is up to the people's choice if they want to borrow the money. if i borrow $100, i pay $17 and loan.r that it saves me. i know it saves a lot of people. as far as the car loads, you through veryery strict advancement credit
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checks. i have never done that, and i am glad i haven't, but there are people, we are talking millions of people, that really need payday loans. host: thank you for talking about your situation in california. some of the arguments on the side of less regulation in this sector. guest: sally, thanks for your call. you raised some important questions. as i mentioned earlier, there are a number of people whoquest. have comments like yourself who are opposing these new rules. , butt just the companies these comments came from a number of customers who have used these services, and there are a lot of customers who take out these loans, spend it where they need it, and pay it back when they get paid the next time
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and use these products very successfully. the people who are opposing the rule say that they take away the option for people to go to these lenders. they would have no place to go to. maybe they which are into illegal loan sharks. maybe they will just not go to so there is a very strong argument that this , this five days a very important role. the locate and of taking away the choices from the people who need them. host: in california, anthony is waiting on the line for democrats. good morning. caller: good morning. you know, i read a little.
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good morning to c-span. i watch your show all the time. there is a good reason that the cfpb took action against this mortgage lender. they are owned by an insurance carrier. i work for the insurance industry for about 15 years now. these mortgage insurance premiums tend to get hefty. , you a couple years increase your equity in the home above 20% or so. restrictive, and they do not allow you to modify your loan to get it removed. you ultimately have to find a better lender and refinance your way out, losing the payments you have made and the timing you have made the payments against your mortgage loan. the action was -- warranted.
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insurance carriers are seeking earnings on their reserves. this is one way that they can get it with these additional fees that they charge these mortgage premium candidates. host: yuka hayashi. guest: thank you, anthony, for your call. i believe this case did not have a lot to do with the current mortgage of the insurance industry and their products. the questions that were asked at the courts this time with whether the cfpb had the take the rule that have been used for many years in this case, over 20 years, and that was previously managed by
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then changedy and th and applied retrospectively. phh -- thee, the receivedsed the phh what it called kickbacks from mortgage insurance companies in exchange for referring customers to the insurance companies. that was practice actually quite common in the industry for a long time. it was permitted by the housing regulators who were previously in charge of this industry. thatfpb came in and said the rule has changed. now, the company has to pay the
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penalty for what it had done for the previous 20 years, way before the cfpb was created. the court said no to that. host: bernie waiting in new carlisle, ohio, on the line for independents. caller: beautiful morning to c-span. i am a c-span junkie, and i want you all the time. host: i appreciate that, bernie. caller: you are welcome. the last gentleman talked about mortgage insurance, and that is one of the areas i am very aware of, but i am wondering if she me the service with ay, we started out bank that went bankrupt in 2005. our mortgage went to another bank, and now it is with a company. if you google the company, you
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will see so many stories. it is unbelievable. they have 2500 employees in india. when you call that communism but you can barely understand. host: what is your question? caller: is there any regulation of the market service industry by the cfpb? if not, how do we get that to happen? my understanding is banks give the mortgage servicing to the servicing organizations because -- are we still there? host: yes. yuka hayashi. guest: i believe the cfpb has actually taken a number of steps overrengthen oversight mortgage servicing companies, not just mortgage lenders. host: individual actions against individual companies? guest: individual actions and also by using broader rules. there is more scrutiny on how these companies interact with customers.
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bernie, you mentioned the company. i believe one of the largest enforcement cases that the cfpb has ever conducted was actually against this company. the cfpb is quite active in this space. host: kelly is in florida. good morning. caller: good morning. i would like to make a quick political comment and then ask a question. we have now,dates when is a dirty old grandpa, the other is a lying will grandma -- old grandma. supportseet journal" hillary, and i was a wall street said that if hillary clinton and elizabeth warren as her vice president, they would not support hillary. elizabeth warren was very critical of hillary clinton two years back about her position with the banks and not allowing consumers to file bankruptcy in many ways. i am just wondering, when you
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say rules for the consumer will this agency, affect elizabeth warren's role in some way by the powers that be? wast: the ruling indeed actually not good news for elizabeth warren. as i mentioned earlier, she issued a statement sort of trying to downplay the ruling itself. but elizabeth warren and her support for the consumer financial bureau is very strong. she has a lot of supporters who strongly support the cfpb. she is not going away on this issue only because of this ruling. host: we talked about the debate over the cfpb. it is not just happening in this building behind us, but a lot
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of groups with interes on the the, even some ads against cfpb. i want to show our viewers one from protect america's consumers. [video clip] >> in 2011, congress sweden agency known as the cfpb. the intentions of the cfpb worker. thewere good. however, there was one problem. was formed,b congress cannot make them accountable to anyone, so what have they done with all of this power? for starters, they don't themselves a lavish office building complete with a waterfall. the hotel was cheaper to build.they treat their female and minority employees horribly. several reports service that a division with many african-american employees was nicknamed "the plantation." dozens of discrimination complaints have been filed. to top it off, they even set their own salaries with the average stuff making $10,000
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every month in a time when democrats and republicans agree on very little. they do agree on one thing. withfpb is plagued scandal and corruption in the to be reformed so they can go back to helping the american people. we are protect america's consumers, and we want to save the cfpb. host: yuka hayashi, what do we know about this group? guest: we do not know who they are. agencynow this is an that is determined to undermine the cfpb. we have seen a number of ads over the past year or so from this group and maybe another one or two. wasne of the ads, the cfpb kremlin likea criminal lik bureaucracy. elizabeth warren was sort of
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dictator-likesome figures. there has been quite a strong attack from the opponent on this agency. host: all of this happening and mid this federal case that found the cfpb's structure unconstitutional. they put out a statement saying the bureau believes that congress's decision to make the director removable --
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talk about the option for further review, with his case could go from here. guest: so the cfpb said it is still looking at options, but the lawyers and government officials expect the cfpb to appeal. there are two ways to do it. one is to go straight to the supreme court. the other one, which is more likely, is ask the entire court of the d.c. appeals court to take a look at the case again. this week was handed by a panel of three judges from that court. they were all republican appointees, but if you look at the entire court, this court is made up of a majority of judges appointed by democrats. permission tots get another hearing, the entire
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d.c. appeals court, there is a chance the outcome could be favorable for the agency. host: just a few more calls. josephine is waiting in livingston, new jersey, an independent. caller: good morning. so the public you knows, how many billions and billions and billions of dollars have they recouped paying back to the consumer? the other thing i want to make a short comment. 60 minutes. because "60 minutes" did the expose on these hey outlets -- the point that -- i cannot believe the woman from california. "60 minutes" proved they are preying on the military because they use these services.
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they are a badly needed service. thank you. host: i appreciate the call. this is from the cfpb's website. this is their reporting on their enforcement action. they say they have given back $3.4 billion in relief to consumers from their various enforcement actions. 25 million plus consumers will receive relief because of those actions. yuka hayashi, what can you add? guest: i have the amount of the money the cfpb has got back to the consumers. it is $11 billion. it is a little bigger than that. done a lot of things for the consumers. there is no denying that despite a lot opposition that it receives from its opponents. aresupporters of the cfpb currently very energized because
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case involving wells fargo and opening of unauthorized credit card and bank accounts. agenciesone of the that helped uncover this this is a case that resulted in millionas many as 2 unauthorized accounts, firing of over 5000 wells fargo employees who were sort of lower lever people under a lot of pressure to achieve their targets. we had news overnight at the ceo of wells fargo just stepped down. this was the most prominent case that the cfp be